UK Mortgages market report

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Providing the most comprehensive and up-to-date information and analysis of the Mortgages market, and the behaviours, preferences and habits of the consumer.

Mintel has the answers you’re looking for

What are the key challenges facing the industry and how fast are its rates of growth? Who is the consumer and what do they want? Where are the opportunities, where are the risks and what lies ahead?

Products covered in this Report

This Report includes discussion of residential mortgages used for
the following reasons:

House purchase: the loan is used to purchase a property.

Remortgage: where a mortgage borrower redeems his/her
existing mortgage with their current lender and takes out a new
mortgage on the same property.

Further advance: a form of additional borrowing offered by
lenders to their existing mortgage customers for the purposes
of home improvements or to buy a car etc. By taking out
a further advance, a borrower is increasing their overall
mortgage debt with the lender.

For the purposes of this Report, Mintel has used the following
definitions of mortgage interest rates:

Fixed rate: the interest payments are fixed for a set period of
time, after which the borrower will be moved on to another rate,
such as the lender’s standard variable rate.

Tracker rate: the interest rate moves up or down by tracking
an external rate, such as the Bank of England base rate or
LIBOR (London Interbank Offered Rate).

Discounted rate: the interest rate varies with the lender’s
SVR, but the rate is also discounted for a set period of time.

Expert analysis from a specialist in the field

Written by Richard Shepherd, a leading analyst in the Finance sector, his extensive knowledge delivers in-depth commentary and analysis to highlight current trends and add expert context to the numbers.

The mortgage market remains in a good state, but it is probable that the slower rate of growth achieved in 2017 is likely to be a sign of things to come over the next few years. While mortgages are still in high demand, the challenges of Brexit uncertainty, squeezed household incomes and concerns over interest rate rises will limit performance.
Richard Shepherd
Senior Financial Services Analyst

What's included

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* This is a sample representation of the report layout and does not reflect the research included in this report.

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